Digital check, facilitating commercial, economic and banking transactions

According to the financial news report According to the public relations of the central bank, Saleh Abadi in the unveiling ceremony of the digital check that was held this morning at the central bank, while thanking all those involved in the development and implementation of the new check law, especially the Parliament and the Article 90 Commission, which are in the form He mentioned that the adoption and implementation of this law played a role and referring to the unveiling of the digital check, he said: The digital check was one of the remaining parts of the new check law, which, thankfully, became operational today.

He stated that restoring credit to checks was the most important goal of the new check law and added: Checks are one of the most important means of payment in the country, which play a significant role in people’s economic transactions, and the more the credit of checks increases and the more people trust this tool, the more It helps to improve the business environment in the country.

He clarified: In the past, the receiver of the check was not completely sure of the collection of his claims and this was one of the obstacles to facilitate business, but now this confidence has increased significantly and with the existing rules of the check issuer to stay safe from the consequences. considers himself obliged to pay his obligation.

Stating that today’s unveiling is the starting point for the expansion of digital checks in the economic environment of the country, he said: “Soon, this tool will be activated in all banks, and we hope that the banking network will increase its adoption rate quickly and we will see its adoption in businesses.” .

He emphasized: Explaining the positive effects of the implementation of the Czech law and informing and educating the general public should continue so that the generality of this law increases day by day.

Reduction of production cost, achievement of digital check

The Minister of Economy and Finance said at the unveiling ceremony of the digital check: The exchange cost for producers has been one of their most important concerns. In these years, which has been named as production support, reducing production costs, including exchange costs, can be an effective step in advancing the goals of the economy, and the digital check can pave this way.

Referring to the importance of reducing uncertainty in economic activities, Khandozi clarified: policy packages to support production including electronic checks, bills of exchange and electronic promissory notes as well as the portal for providing national licenses by reducing transaction costs for producers and by reducing uncertainty in the business environment results They are good for the country’s economy.

The Minister of Economic Affairs and Finance added: The banking network can play an important role in facilitating production in the country’s economy by increasing the penetration rate of electronic checks among the people, along with increasing the satisfaction of the people and customers and reducing the non-interest expenses of banks.

Coordination of the Central Bank and the Ministry of Security in the field of electronic signature

In this ceremony, the Minister of Industry, Mines and Trade also considered the digital check as another step in the development of the digital economy and said: Facilitation in the monetary and financial sphere will lead to the prosperity and growth of the productive sector of the country’s economy, and that the digital check can play an effective role in this facilitation. slow

Fatemi Amin added: Empathy and coordination between different economic sectors of the country will promise good economic days and development in the future.

He pointed to the coordination of the Central Bank and the Ministry of Security in the field of electronic signature and added: Fortunately, despite the obstacles that existed in the past years, with the proper interaction, positive things have been done in the field of electronic signature.

Returning credit to checks with the implementation of the new check law

The Chairman of the 90th Principle Commission of the Majlis also said at the unveiling ceremony of the digital check: In the past, the check had lost its status and credibility in the country’s economic and commercial exchanges, and the parliament, by pursuing and approving the new check law and making it operational, is an important step in restoring credibility. Checked.

Emphasizing the blessings of implementing the new check law, he considered the reduction of money laundering, facilitation of exchanges and reduction of check-related crimes as one of the most important achievements of the implementation of this law.

Pointing to the importance of the interaction between the legislator and the law enforcement in advancing the country’s economic goals, Pejmanfar said: this interaction will lead to the adoption of realistic laws and its benefits will be for the entire economy of the country and the people.

Significant reduction of returned check prisoners with the implementation of the new check law

Referring to the technical, legal and operational complexities of the Central Bank, the vice president of new technologies said: The implementation and operationalization of the digital check should have been done in such a way that it has the highest penetration rate among the general public in terms of efficiency and application. . Therefore, the topic of culture building in the implementation of digital check has been discussed for how to use it in the operation of its implementation.

Mohramian enumerated the most important advantage of cashing a digital check in absentia and said: Digital check is another step of the Central Bank and the country’s banking network in the direction of providing absentee services to citizens, and so far more than 98% of banking operations can be provided absentee. has to customers.

The vice president of new technologies mentioned the return of credit to checks as one of the other important developments with the implementation of the new check law and added: Before 2018, an average of 10 people were sent to prison for check-related crimes. It has decreased to 1 person every two days.

He emphasized: Parsian, Saderat and Tejarat banks have already provided access to electronic checks for real customers, and three banks, Kasursi, Aindeh and Mellat, are also conducting a trial run of this plan for their customers and will soon provide this service to their customers. will provide